Independent Bank Corp

IBCP

Market cap $686M

Independent Bank Corporation (NASDAQ:IBCP ) Q3 2025 Earnings Call October 28, 2025 11:00 AM EDT Company Participants William Kessel - President, CEO & Director Joel Rahn - Executive VP of Commercial Lending & Chief Lending Officer Gavin Mohr - CFO, Executive VP, Treasurer & Corporate Secretary Conference Call Participants Brendan Nosal - Hovde Group, LLC, Research Division Nathan Race - Piper Sandler & Co., Research Division Peter Winter - D.A. Davidson & Co., Research Division Presentation Operator Hello, everyone, and welcome to the Independent Bank Corporation Reports 2025 Third Quarter Results.

The headline numbers for Independent Bank (IBCP) give insight into how the company performed in the quarter ended September 2025, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Independent Bank (IBCP) came out with quarterly earnings of $0.84 per share, beating the Zacks Consensus Estimate of $0.83 per share. This compares to earnings of $0.65 per share a year ago.

Third Quarter Highlights Highlights for the third quarter of 2025 include: Increase in net interest income of $0.7 million (or 1.7%) over the second quarter of 2025; Increase in tangible common equity per share of common stock of $1.06 (or 20.0% annualized) from June 30, 2025; Net growth in total deposits, less brokered time deposits of $148.2 million (or 13.0% annualized) from June 30, 2025; Net growth in loans of $33.9 million (or 3.2% annualized) from June 30, 2025; and The payment of a 26 cent per share dividend on common stock on August 15, 2025. GRAND RAPIDS, Mich.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Independent Bank (IBCP) have what it takes?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Independent Bank (IBCP) have what it takes?

GRAND RAPIDS, Mich., Sept. 29, 2025 (GLOBE NEWSWIRE) -- Independent Bank Corporation (NASDAQ: IBCP), the holding company of Independent Bank, a Michigan-based community bank, announced that it expects to issue its 2025 third quarter results on Tuesday, October 28, 2025, at approximately 8:00 am ET. The release will be available on the Internet at IndependentBank.com within the “News” section of the “Investor Relations” area of the Company's website.

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Independent Bank (IBCP) have what it takes?

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Independent Bank (IBCP) have what it takes?

GRAND RAPIDS, Mich., Aug. 15, 2025 (GLOBE NEWSWIRE) -- Independent Bank Corporation (NASDAQ: IBCP), the holding company of Independent Bank, announced with great sadness that Michael M. Magee, Jr., current Board member and past Chairman (2013-2024) of the Board of Directors for Independent Bank Corporation and Independent Bank, passed away on August 3, 2025.